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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,111 | $138,366-8.9% | $184,185-31.5% | $80,911+55.9% |
| Participation rate | 58.3% | 83.9%-25.5pp | 86.8%-28.5pp | 67.6%-9.3pp |
| Annual return | 10.20% | 20.02%-9.8pp | 28.81%-18.6pp | 35.63%-25.4pp |
| Employer contribution / active EE | $2,558 | $4,849-47.2% | $6,426-60.2% | $2,756-7.2% |
| Participant deferral / active EE | $5,266 | $7,074-25.6% | $9,132-42.3% | $4,297+22.5% |
| Admin fee / account holder | $16,346 | $10,484+55.9% | $13,909+17.5% | $6,935+135.7% |